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Return Payment On any outstanding bill, including any fees and/or late charges, paid by the consumer with a check which as been returned to Merzware.com for nonsufficient funds shall be subject to a fifteen dollar ($5.00) charge. Any consumer whose check or bank debit has been returned unpaid within the past twelve (12) months shall pay outstanding bills, fees and/or late charges, as authorized by this chapter, in cash or by means of a certified check, money order or credit card. Only the credit card account holder shall authorize payment by means of a credit card. (Ord. 02-197 § 1; Ord. 00-183 § 4; prior code § 54.04)